Resources

Hidden Medicare costs?

Great Wealth Transfer Link

Hidden Medicare costs?

IRMAA

What you need to know. Higher income in retirement can lead to extra Medicare charges. Here’s how to avoid them.

Many retirees are shocked to learn that their Medicare premiums aren’t fixed. If your income exceeds certain limits, you’ll pay extra for Part B and Part D coverage due to the Income-Related Monthly Adjustment Amount (IRMAA).

The worst part? Most people don’t realize it until they get the bill.

With careful planning, you may be able to reduce or avoid these extra charges and keep more of your retirement income.

Let's discuss your options - schedule an appointment today

Hybrid Financing Link

Great Wealth Transfer Link

Hidden Medicare costs?

Hybrid financing strategy approach for highly compensated, high-net-worth individuals.

Learn more about hybrid financing

Great Wealth Transfer Link

FAQs - College Funding Questions

Proactively position estates before the generational “Wealth Wave”:

For Families & Business Owners:

Trust and gifting, split-dollar,

family LLCs, direct

charitable endowments

For Physicians & Dentists:
Structure practice sale to avoid estate tax, pass assets cleanly to heirs.
Retirees/HNW:
Model tax rates and risks for heirs in different states/countries.

Learn more about the great wealth transfer

FAQs - College Funding Questions

What are you currently doing for college funding for your child or children?
What do you like most about your current college funding approach?
What do you not like about your current college funding plans?
What would you most like to see improved or enhanced about how you are saving for college?
What has your experience so far been in preparing for college funding (confusing, stressful, manageable, etc.)?
Ideally, what would you like your college funding plan to accomplish for your family and your retirement?
When you think about paying for college, what keeps you awake at night?
Complete this sentence: “When it comes to my money and financial situation, the only thing I really care about is ____________.”
How can I pay for my children's college?
Are there alternatives to student loans?
Is there an alternative to raiding my 401(k)?
Are you paying for college in ways that may unintentionally derail your retirement?
Have you explored all four main funding sources—free money, found money, borrowed money, and saved money—and how each affects your long‑term goals?
Do you have a strategy so you are not forced to raid your 401(k), 403(b), 457, or brokerage account at the wrong time to fund tuition?

Schedule your complimentary College Funding Strategy Session

FAQs

FAQs - College Funding Questions

FAQs Continued

Retirement income, longevity, income gaps

Will you have enough predictable, pension‑like income to cover your essential expenses for as long as you live?
What happens to your plan if you or your spouse live 5–10 years longer than you expect?
Are you exposed to an “income gap” or “income cliff” when a paycheck, pension, or Social Security benefit stops?
How much of your retirement income is guaranteed, and how much depends on market performance?

Tax risk, Roth conversions, TFRAs

How much of your current retirement savings is really yours after future taxes are paid?
Do you have a written strategy for shifting money from forever‑taxed accounts into tax‑free or tax‑advantaged buckets?
Have you looked at partial Roth conversions in your 60s to lower your lifetime tax bill and IRMAA surcharges?
Would a Tax‑Free Retirement Account (TFRA) alongside your 401(k) or IRA help you reduce future tax risk?

Social Security: timing, optimization, longevity, inflation

Do you know your exact Full Retirement Age and how claiming before or after it changes your benefit for life?
If you are married, which spouse should claim first to maximize total lifetime and survivor benefits?
How will delaying benefits—or claiming early—affect your taxes, IRMAA exposure, and long‑term income?
Are you using Social Security’s built‑in cost‑of‑living adjustments as an inflation hedge in your retirement plan?

IRMAA and hidden Medicare costs

Do you know which income thresholds can trigger IRMAA surcharges on your Medicare Parts B and D premiums?
Are Roth conversions, RMDs, and capital gains in your plan coordinated to avoid unnecessary jumps into higher IRMAA brackets?
What are you and your tax advisor doing today to reduce surprise Medicare premium increases in the future?

Schedule a Call Today

FAQs Continued

FAQs - College Funding Questions

FAQs Continued

Qualified rollovers and early retirement bridge

Do you have old 401(k), 403(b), 457, or TSP accounts sitting untouched at previous employers?
Have you compared the fees, investment choices, and protections in your old plans with what a rollover strategy could offer?
If you retire before 65, what is your plan for creating a “bridge” from your current savings until Social Security and Medicare start?
How will your rollovers fit into a coordinated income and tax plan, instead of being a one‑time paperwork event?

Hybrid financing and pension‑like strategies

As a high‑income earner, have you explored using leverage and hybrid financing to enhance future retirement benefits?
Do you understand who is—and is not—a good candidate for premium‑financed or Kai‑Zen style strategies?
Could a pension‑like income solution complement your qualified plans by adding guarantees and downside protection?

Great wealth transfer, estate and legacy focus

Use on: legacy/wealth transfer section, family‑oriented workshops.

Have you quantified how much of your estate could be lost to taxes, fees, and poor beneficiary choices?
Do your heirs know how to handle inherited IRAs, 401(k)s, and life insurance to avoid unnecessary taxes and penalties?
Is your wealth transfer plan coordinated with your retirement income plan so you can enjoy your money now and still leave a meaningful legacy?

schedule a call for answers to these questions

Disclosure

All content on this website is for general informational purposes only and should not be construed as individualized tax, or legal advice. You should consult your own qualified tax and/or legal professional regarding your specific situation before making any decisions.

Separate from any employer plan and separate from our role as retirement income specialists, we may, in our capacity as licensed professionals, recommend the purchase of certain retirement-type or pension-type accounts, or insurance products. You are under no obligation to purchase any product or follow any recommendation, and any decision to do so is entirely voluntary and based on your independent evaluation.

Want clarity, confidence, and a financial strategy that puts you first?

Resources

Hidden Medicare costs?

Great Wealth Transfer Link

Hidden Medicare costs?

Hybrid Financing Link

Great Wealth Transfer Link

Hidden Medicare costs?

Great Wealth Transfer Link

Great Wealth Transfer Link

FAQs - College Funding Questions

FAQs - College Funding Questions

FAQs - College Funding Questions

FAQs - College Funding Questions

FAQs

FAQs - College Funding Questions

FAQs Continued

FAQs Continued

FAQs - College Funding Questions

FAQs Continued

Disclosure